Amex F/R Master Thread

[Yhgfkj]

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Is this FR? Did SC.


Update: Did an amazon re as a test, and it went through. Does that mean no FR?

at an FR your normally able to transfer points ,  so it could be an MR freeze not an FR

[Buruch]

I have no reason to suspect an MR freeze. Except for hitting 10k at SC on an upgrade from gold to plat to trigger 50k points, but I don't see why that would cause it.

[Yhgfkj]

I have no reason to suspect an MR freeze. Except for hitting 10k at SC on an upgrade from gold to plat to trigger 50k points, but I don't see why that would cause it.

anyhow seems your fine,  I just pointed out that not being able to use MR points isn't related to an FR

[JACKSASSONBK]

I need serious help. Pls any info will be much appreciated

I just got a F/R on 1/15 for spending 60K in 2 days in Sam's Club.
Paid the bills back right away, but they still F/R me.
My overall credit line with Amex is over 100k and I spend alot with them constantly.
Account has been active and on time for 7 years.
I also told them the truth about my taxes when I opened the card and they will see that if they got a copy of my taxes.
In addition, I have funds in my account to cover anything. Have private banker at Chase and all that. Great relationship etc.

They asked me for a T4506 form. They have very specific guidelines outlined on the cover form they sent me as well.

Here is the bad news: They claim that they are only allowed to give me 2 chances to fill it out correctly.
The first time I wrote it out by hand, so they rejected it.
The second time I accidentally added my title on under my name, so they rejected that as well.

1/26 - My rep called me back (after a week of me leaving her voicemails) and told me that since I failed the 2 forms they now need to close my accounts.

I demanded a manager contact me for a third chance. So she left my accounts opened and notated on my account for a manager to call me

PLSSSSS help me out!!!

Also - please let me know if I should cash out my MR points. I have about 169K in my account and don't want to lose them.

[Iz]

I need serious help. Pls any info will be much appreciated

I just got a F/R on 1/15 for spending 60K in 2 days in Sam's Club.
Paid the bills back right away, but they still F/R me.
My overall credit line with Amex is over 100k and I spend alot with them constantly.
Account has been active and on time for 7 years.
I also told them the truth about my taxes when I opened the card and they will see that if they got a copy of my taxes.
In addition, I have funds in my account to cover anything. Have private banker at Chase and all that. Great relationship etc.

They asked me for a T4506 form. They have very specific guidelines outlined on the cover form they sent me as well.

Here is the bad news: They claim that they are only allowed to give me 2 chances to fill it out correctly.
The first time I wrote it out by hand, so they rejected it.
The second time I accidentally added my title on under my name, so they rejected that as well.

1/26 - My rep called me back (after a week of me leaving her voicemails) and told me that since I failed the 2 forms they now need to close my accounts.

I demanded a manager contact me for a third chance. So she left my accounts opened and notated on my account for a manager to call me

PLSSSSS help me out!!!

Also - please let me know if I should cash out my MR points. I have about 169K in my account and don't want to lose them.

I would assume that it's over. I would sell/use the points, and proactively close the accounts, before they do. But I'm not such an expert. Let's see what the experts say.

[tzifanya54]

I would assume that it's over. I would sell/use the points, and proactively close the accounts, before they do. But I'm not such an expert. Let's see what the experts say.

I would say wait for the manger to call but transfer out MR. If they need to close your accounts, likely they will let you close them yourself.

[LoLo]

I would say wait for the manger to call but transfer out MR. If they need to close your accounts, likely they will let you close them yourself.

He should have ~30 days to transfer his points even if they close.

[JACKSASSONBK]

He should have ~30 days to transfer his points even if they close.

That's good to know. Thanks so much for helping me out!

Regarding managers, has anyone had experience being able to talk them into allowing a third form? Or getting them to verify income some other way. Any info would be much appreciated

[shulem92]

That's good to know. Thanks so much for helping me out!

Regarding managers, has anyone had experience being able to talk them into allowing a third form? Or getting them to verify income some other way. Any info would be much appreciated

At this point, if they give you another chance they will probably require you to send in your tax returns. If you start finagling to try and send in bank statements at this point, they may get suspicious. They want to ensure that you're not a credit risk to them. On that note, they have a policy that if you file wrongly twice they just shut you down. You want to come out strong to the manager that you have a very solid credit rating. You had an amazing business opportunity, and you went for it. There was never any risk to them as you had the money in your bank (as you have already paid up). Tell them that you have a great history with them, it will kill you if they put you out of business. Plead with the manager that you made a simple mistake filling out the form, and it didn't go through because of that simple mistake, not because you're a credit risk. On that note, good luck!

[JACKSASSONBK]

At this point, if they give you another chance they will probably require you to send in your tax returns. If you start finagling to try and send in bank statements at this point, they may get suspicious. They want to ensure that you're not a credit risk to them. On that note, they have a policy that if you file wrongly twice they just shut you down. You want to come out strong to the manager that you have a very solid credit rating. You had an amazing business opportunity, and you went for it. There was never any risk to them as you had the money in your bank (as you have already paid up). Tell them that you have a great history with them, it will kill you if they put you out of business. Plead with the manager that you made a simple mistake filling out the form, and it didn't go through because of that simple mistake, nbecause you're a credit risk. On that note, good luck!

Awesome! These were my plans to the tee. You are on the ball!
Thanks for all the help.

[mmgfarb]

Awesome! These were my plans to the tee. You are on the ball!
Thanks for all the help.

Good luck!

[JACKSASSONBK]

Good luck!

Ty

[noturbizniss]

I didn't need any business documents (as several DDFers predicted). Received emails re new CL yesterday. 24 hours later, rep called to give the all clear. Start to finish: 10 days. Back to Sam's we go...

Did they end up giving you a reason for the FR or questioning the sams charges or other charges?
What was the change in CL?

[Iz]

Did they end up giving you a reason for the FR or questioning the sams charges or other charges?
What was the change in CL?

Their reason was unintelligible. Check your PMs.

[yn27]

 got shut down from Amex in July, the letter states you have 90 days to redeem MR, not 30.

[knowitall]

I currently have 6 charge cards and 5 credit cards (including biz) open from Amex.
I'm under FR and I'm sending in the 4506T. I make 50k on the books. Do you guys think I should proactively close the cards I don't care about? Have there been reports of Reps saying "you passed but you can't keep all your cards"?

[David Smith]

I currently have 6 charge cards and 5 credit cards (including biz) open from Amex.
I'm under FR and I'm sending in the 4506T. I make 50k on the books. Do you guys think I should proactively close the cards I don't care about? Have there been reports of Reps saying "you passed but you can't keep all your cards"?

You should pass with imposed limits on charge cards, without closing anything.

[shulem92]

I currently have 6 charge cards and 5 credit cards (including biz) open from Amex.
I'm under FR and I'm sending in the 4506T. I make 50k on the books. Do you guys think I should proactively close the cards I don't care about? Have there been reports of Reps saying "you passed but you can't keep all your cards"?

You should pass with imposed limits on charge cards, without closing anything.

+1. Therefore don't close any cards. They see whatever you have now. You're going to want whatever credit you have after the slash, because it may not be alot

[knowitall]

+1. Therefore don't close any cards. They see whatever you have now. You're going to want whatever credit you have after the slash, because it may not be alot

Thank you very much.

On line 3 of the 4506-T, it says name, address....
However, in the instructions, it just says "enter your current address"... and makes no mention of name.
Which one is it? TIA

[shulem92]

Thank you very much.

On line 3 of the 4506-T, it says name, address....
However, in the instructions, it just says "enter your current address"... and makes no mention of name.
Which one is it? TIA

Sorry not sure. I managed to avoid the dreaded 4506-T. Got away with bank statements